Author name: Wesley Vos

Most wholesalers face a dilemma at some point in their business cycle. They need to pay for stock, but it can take up to 90 days for that stock to turn into the cash they need to keep the business running.  Meanwhile, the usual costs don’t stop during this payment gap. They still must pay

South African manufacturers often come across a cash paradox: their order book is full, but cash is still low.  The reason? They must buy the materials, pay the wages, and run the machines that fulfil these orders, all well before the customer clears the invoice. Here’s how the timing normally works: That is a normal

Access to reliable, fixed-term business funding is a cornerstone of SME growth because they open up possibilities to invest in new equipment, expand operations, or simply just to bridge working capital gaps. Fixed-term loans provide a lump sum up front and a clear repayment plan over a defined period. Unlike revolving facilities, they are ideal

Access to working capital is one of the biggest growth constraints for South African SMEs. Revenue might be coming in, but it may be getting tied up in other roadblocks, like customers paying late.  The problem is that suppliers often want cash up front, and payroll, of course, does not wait. This is where revolving

Running a transport business in South Africa comes with pressing challenges. Fuel costs keep rising, and maintenance never stops, while demand can shift overnight. You may be moving goods or managing a fleet, but either way, you need cash flow that keeps the wheels turning – not financial stress slowing you down. The good news?

Traditional banks aren’t built for the pace most South African SMEs work at. Approval cycles drag on because requirements are often heavy, and support tends to come when the moment has already passed. Fortunately, a new wave of alternative funding solutions in SA has reached the shore.. Many of these excel at giving business owners

South African entrepreneurs are some of the most resilient in the world. Small and medium-sized enterprises (SMEs), from township start-ups to established family-run operations, continue to drive the country’s growth and create jobs. But behind every success story lies a common challenge: finding the right funding to sustain that momentum. Cash flow gaps, slow payments,

Running a business in South Africa already comes with enough moving parts. Your bank account shouldn’t be another hurdle.  Online banking for SMEs has grown rapidly over the past few years, but quality varies. Some banks still rely on outdated processes. Some charge for almost every move. Others make it complicated to get support when